Current Home Purchase Mortgage Rates - 30 Years  California Lenders Under 7% for 30 Year Fixed Rate

Planning on purchasing a new home? Use ERATE®'s rate chart to compare today's top rates in California and find a lender that's the best fit for you. We recommend that you reach out to at least 2 to 3 mortgage lenders for your home loan to ensure you get the best rate and pricing.

(Last Updated: 10/30/2025)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
5.635% APR 5.500% Rate 30 day rate lock $1,817 Payment per month
1.000 Points$3,200 Points Fee
$4,800 Total Fees$1,600 Lender Fees
 30 Years Fixed
5.695% APR 5.500% Rate 30 day rate lock $1,817 Payment per month
0.750 Points$2,400 Points Fee
$7,014 Total Fees$4,614 Lender Fees
 30 Years Fixed
6.115% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.870 Points$2,784 Points Fee
$4,112 Total Fees$1,328 Lender Fees
 30 Years Fixed
6.227% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.875 Points$2,800 Points Fee
$3,500 Total Fees$700 Lender Fees
 30 Years Fixed
6.331% APR 6.240% Rate 30 day rate lock $1,969 Payment per month
0.959 Points$3,069 Points Fee
$3,069 Total Fees$0 Lender Fees
 30 Years Fixed
Numbers you can trust
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$0 down payment for Veterans homebuying with a VA Loan
5.930% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.593 Points$1,898 Points Fee
$1,898 Total Fees$0 Lender Fees
 30 Years Fixed
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Rate data provided by RateUpdate.com. Displayed by ICB, a division of Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes and insurance premiums. Actual payments will be greater with taxes and insurance included. Rate and product details.
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